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Low Insurance Cars

Low Insurance Cars

By Swansway Motor Group 15-12-2017


The cost of car insurance is something that we all need to take into consideration when choosing a new car.

Keep your insurance costs down by choosing
from our selection of low insurance cars.

The cost of car insurance is something that we all need to take into consideration when choosing a new car. While you might find some amazing deals on the price of your new car, the insurance could work out to be expensive, especially if you’re a younger driver, so cars with low insurance groups are always popular. Check out our pick of the best low insurance cars and you could keep your insurance costs to a minimum.

When it comes to insurance, there are a lot of factors at play. Your age, driving experience, location and even your profession will all influence the price you pay. Of course you can’t do a lot to change these factors, but there are also aspects of the car you buy that can make a big difference to finding a car with low insurance. The trick is to find low band insurance cars of the type of vehicle that fulfills your needs. Cars are rated from 1 to 50 and the lower the group, in general the less you will pay. Often, picking a small car with a smaller engine will give you a better cost for your insurance, but also check out different trim levels. Even something that seems trivial such as larger wheels will mean that you can wave bye-bye to the lowest insurance premium.

Low insurance cars are great for young drivers on a budget but insurance costs aren’t only a concern for new drivers. Low insurance family cars are also popular. By picking a low band insurance car, you could also be reducing the car’s running costs, and with a smaller engine, you’re likely to be using less petrol too. It could save you a fortune in the long run!

The new Volkswagen up! is a popular choice for city driving as it’s small and easy to park. Loads of customisation options make it an equally keen choice with style-conscious young drivers. It’s a small, light car so performance is good, even with the entry level Take up! and Move up!. There are plenty of models available in Insurance Group 1 so if you’re looking for a nippy city car that won’t cost a bomb to insure, is cheap to run, yet still looks cool, this is a great option.

Choosing a low insurance car doesn’t mean that you have to drop your standards. The up! oozes quality with a luxurious yet simple interior and extra touches like body coloured panels to give you extra points in the good-looks department. You’ll also find it feels pretty spacious if you have teenagers or regularly carry adults in the rear seats. The roomy feel also makes the up! a great compact low insurance family car.

Many of the best low insurance cars aren’t well suited to a larger brood but if you are looking for low insurance family cars check out the Fiat Qubo. All models are pretty impressive when it comes to cars with low insurance with the Fiat Qubo Estate 1.4 8V Pop 5dr for example in insurance Group 3. Not only is the insurance low but Fiat’s ecoDrive provides info, tips and suggestions for a more economic drive.

The Qubo is really spacious with plenty of legroom and headroom. It has sliding doors, making it easy to get in and out of, and it’s also handy for transporting larger items, especially when you discover you get a whopping 2500 litres of space with the seats down, providing obvious versatility. This is the perfect option for lugging work gear around during the week, while easily transforming into a family vehicle for a weekend outing. It really is one of the best value, low insurance family cars.


Starting at the lowest possible insurance group, Group 1, the SEAT Mii is an excellent choice if you’re looking for cars with a low insurance group. This stylish city car is great value for money and, being small, it’s ideal for driving around town as well as being a breeze to park. It really takes the stress out of city driving. The efficient 1.0 litre engine will keep your fuel costs low and parts are pretty cheap too. As one of the best cars for low insurance for young drivers, the Mii is an ideal first car and it also makes a good second car for a family runabout.

Despite its small size, the Mii is pretty comfortable for rear seat passengers and you get enough room in the boot for your shopping, school bags or briefcase. With Isofix child seat fittings, lots of airbags and a five star Euro NCAP rating, you can rest assured that you’re travelling in safety with the SEAT Mii.


While we can’t beat the Group 1 cars we’ve already mentioned, the Citroën C1 is still a very reasonable low band insurance car with models starting at Group 6. The C1 is great value for money and you don’t have to feel like you’re compromising on quality. There are plenty of customisation options too so you can have a vehicle that suits your own style and personality.

While there are more spacious Citroëns available that are better suited to large families, the C1 can still accommodate four adults in reasonable comfort and kids will have more than enough room. If you’re a grandparent or an auntie or uncle who occasionally has back seat passengers, this will work well for you. It’s one of the shortest cars on the market, so you’ll find it incredibly easy to park too.

The Peugeot 108 has a range of models starting at a low insurance group of 6. If you’re on the lookout for a compact car, you should definitely keep this one under consideration. You’ll get plenty of personalisation options and the entry level models come with a decent amount of gear as standard, including USB connectivity which is pretty much essential for most drivers these days - young or old.

The Peugeot 108 is ideally suited for driving around town as it has a tight turning circle and its small size makes it very easy to park in those small spaces that larger cars just can’t fit into. Available in 1.0L and 1.2L options, it’s also very cheap to run and the low CO2 emissions make it a better choice for the environment than a car with a larger engine.

Of course, while low insurance can play a part in choosing your car, you’ll have other requirements too. The young single person living in the city is more likely to want a small, nippy car that looks cool, is fun to drive, but is also easy to park and navigate in a busy environment. For anyone with kids, you’ll want a larger vehicle that can accommodate your family. Lovers of the great outdoors may want off-road capability and a large boot for lots of camping gear. We all have different requirements, but you’ll find a low insurance group car that’s just perfect for you at Swansway Group.

The selection we’ve shown you above are just the tip of the iceberg when it comes to the low insurance cars. Whether you’re looking for the best car for low insurance for young drivers or low insurance family cars, we’re sure to have just what you’re looking for here at Swansway Group. If insurance costs are a real issue for you, take a look at all of the figures close up:

Take a look at what each of our low insurance cars has to offer:

Our knowledgeable team of advisors are always happy to help you make the right choice of new car. Just call into your nearest Swansway Group dealership and have a chat with us. If low insurance is your priority, we’ll be happy to give you some good suggestions for your next new car.